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Can Married Couples Have Separate American Express Bluebird Accounts?

Jan. 26, 2014
2 min read
Can Married Couples Have Separate American Express Bluebird Accounts?
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TPG reader Eric asked me a question about Amex Bluebird via Facebook:

"Can my wife and I have separate Bluebird accounts and purchase separate Vanilla Reloads?"

I've written a lot about the Amex Bluebird, which is a checking/debit account alternative that you can fund with Vanilla Reloads - prepaid cards that you can purchase at a variety of retailers using a points-earning credit card and then load the value of that Vanilla reload into your Bluebird account. Then from there, you can issue checks, pay bills and transfer money, just like you would from a checking account.

So Eric wants to know if he and his wife can have separate Bluebird accounts from which they pay the same kinds of bills - and the answer is yes. In fact, it absolutely makes sense to have two Bluebird accounts because there is a $5,000 monthly limit on the amount of money you can put into your Bluebird account from Vanilla Reloads. So with two Bluebird accounts, you up that limit to $10,000 between the two of you. But why stop there? If you have kids who are old enough to get a Bluebird account, you can get the whole family in on the action and up your points-earning power even more.

Vanilla Reload cards can be used to fund prepaid cards like the Amex Bluebird.
Vanilla Reload cards can be used to fund prepaid cards like the Amex Bluebird.

For more information on Bluebird, check out these posts:

Bluebird From American Express – The Basics
Maximizing American Express Bluebird FAQ’s
Maximizing Prepaid / Reloadable and Reload Cards For Points And Miles – Choosing Which Credit Card To Use
Maximizing Prepaid and Reload Cards For Points and Miles
CVS Raises Daily Vanilla Reload Purchase Limit to $5,000
Maximizing Reload Cards – Vanilla vs. GreenDot vs. ReloadIt
My Permanent Amex Bluebird Card is Active and the Points Are Flying

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Let me know if you have any other questions by messaging me on Facebook, Tweeting me or emailing me at
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Featured image by Bluebird from American Express can be a great way to pay your taxes.

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